1/30/2015

Snacks


I'm serving snacks - most from my organic garden for
a real estate preview. I carved the butternut squash to act
as cups holding roasted nuts, olives and placed a big variety
of cheese on a wooden platter.

Aren't the colors just beautiful?

Someone took one of the butternut squash sculptured
cups and there was a big bite mark.

Did they not know what it was?
 
Next time I'm going to be really crazy and serve
boquerones, alici (white anchovies) with spicy sauce
hard boiled quail eggs, and olives
 
 
 

CHF Golden State Finance Authority










 CHF/ GSFA Lenders
Borrowers 


CHF is changing its name to Golden State Finance Authority (GSFA).
View E-News Bulletin here.
What Has Already Transitioned?
Our website www.chfloan.org now displays the Authority’s new name: Golden State Finance Authority (GSFA). A new logo is also displayed.
What You Can Expect Next
· Over the next couple of weeks, you will notice the CHF name on our Online Reservation System change to GSFA.
· The respective programs, CHF Platinum and CHF MCC will change to GSFA Platinum and GSFA MCC.
· The Program Documents available for download through the Online Reservation System will also reflect the Authority’s name change soon. (i.e. Grant letters and reservation confirmations will display GSFA as the sponsor.)
· NOTE: The EIN # for the Authority remains the same.
PLEASE CIRCULATE THIS INFORMATION to
Mortgage Lenders and Home Borrowers
We ask that you circulate this information to your branch offices and respective loan officers participating in our home ownership programs.
As always, if you have questions, let us know. We appreciate your patience during this transition.

Golden State Finance Authority
1215 K Street, Suite 1650
Sacramento, CA 95814



Note: Golden State Finance Authority (GSFA) was formerly known as CRHMFA Homebuyers Fund (CHF). A formal name change is pending.

1/12/2015

FHA CHEAPER Streamline Refinance for Cheaper payment




FHA Reduces Single Family 

Annual Mortgage Insurance Premium 

(MIP) 

Rates for 

Most Title II Forward Mortgages

1/12/2015  Federal Housing Administration (FHA) published 

 Reduction of FHA Annual MIP Rates and Temporary Case Cancellation Authority.
 This Mortgagee Letter implements the 50 basis point (0.50%)
 reduction in FHA’s annual Mortgage Insurance Premium (annual MIP) rates for
 most Single Family Title II forward mortgages 
announced by the President Obama on January 8, 2015. 
 This rate reduction furthers the Administration’s and FHA’s 
ongoing goal to prudently expand access to 
mortgage credit for individuals and families across a range of incomes.























SAVE THOUSANDS OF DOLLARS
1/22/2015 FICO 700 30 year
rate 3.875% APR 3.989
costs for a $400000. loan :
streamline no appraisal
Escrow $510 title $510 recording $110
Underwriting and processing $1295
plus prepaid interest, taxes if due and
hazard if due
NEW MIP is lower RATE is lower
Call for a free quote - you might even
be able to go conventional.



SAVE MONEY


LOWER your monthly


payments!



Call me


(949) 637-8190

30 year rates in the 3's

15 year rates in the 2's

Rates change daily
http://eaglehomemortgage.com/carolinegerardo/

The annual MIP rate reduction is effective for FHA
Case Numbers assigned on and after January 26, 2015
for most Title II forward mortgages with amortization
terms greater than 15 years.


Today’s Mortgagee Letter includes a table which shows
the current and new annual MIP rates by amortization term,
base loan amount, and loan-to-value ratio.
The rate reductions have also been incorporated into FHA’s
Mortgage Insurance Premiums table for forward mortgages.
This updated Mortgage Insurance Premiums
table will be integrated into FHA’s
Single Family Housing Policy Handbook (HUD Handbook 4000.1)
 at the next available update.
Temporary Case Cancellation Authority
FHA will temporarily approve Case Number Cancellation Requests for loans with FHA Case Numbers assigned but not yet closed, to allow mortgagees to obtain the reduced annual MIP rates. Mortgagees must submit Case Number Cancellation Requests under this temporary authority using the submission instructions specific to this temporary authority posted today on FHA’s Case Processing Requirements web page.
Mortgagees may begin requesting Case Number cancellations on January 15, 2015, but must submit all Case Number Cancellation Requests under this temporary authority by 11:59 p.m., Eastern, on February 26, 2015. Mortgagees should not order new Case Numbers under this temporary authority until they have confirmed in FHA Connection that the previous Case Number has been cancelled.


What does this mean?
REFINANCE STREAMLINE ANY FHA loan 
started after the MI rates jumped in 2009
Save money monthly on your MIP premium also
mortgage rates are much lower. Reduce your monthly
payment by refinancing sometimes without an appraisal


Call me even if you already
streamlined you may be able to
refi free for lower monthly payment
Loans in process at a bank?
Cancel and come over to lock at today's rates


old MIP rates
assigned on or after January 26, 2015.
Term 15 Years
New MIP
80b s
85b s 100b s
105b s
45b s
70b s
70b
95b s
Base Loan Amt. $625,500
$625,500

LTV
95.00%

Previous MIP
130b s 135b s
150b s
155b s
Term 15 Years
90.00%

45b s 70b s
70b s 95


NMLS #324982

1/09/2015

Home Made Bath Fizzie Recipe



lovely soaking tub
Home made bath salt steamer simple cheap and easy
Here is the recipe (recipes)

Rubber ice cube tray works best
Mine I bought in the dollar rack at Target or Daiso
Old cookie sheet
one box  baking soda (1 LB baking soda = sodium bicarbonate)
1 tablespoon corn starch
fresh herbs 20 leaves
1/2 cup water

Choice of oils see #1 #2 or #3

Mix dry ingredients in a bowl
break up any lumps with your fingers

In a small pot boil some fresh mint or rosemary (whatever
herb you have growing and enjoy with about 1/2 cup water
Allow the water to cool and toss the plant material
Rosemary awakens vitality, mint makes happy
keep the green water aside for the end


For the smell you have a couple choices:
#1 the easy cold and cough remedy
Vick's Vapor Rub a tablespoon the
eucalyptus is great for cold or sinus
congestion
Camphor is a cough suppressant and analgesic
menthol is also a cough suppressant and analgesic
Vick's Vapor Rub has petroleum that's a little messy
Blend slowly into the baking soda mix

OR #2 you can make your own cough and cold mix:
1/8 cup coconut oil
10 drops of Eucalyptus Oil
10 drops of Peppermint oil
5 drops of Rosemary oil
Blend slowly into the baking soda mix

Or #3 for a relaxing soothing shower:
1/8 cup coconut oil
10 drops lavender oil or
15 drops of Kneipp lavender bath oil
2 drops of rose oil

I prefer to use organic -
Mountain Rose also has great products

You are mixing one of the three batches
of oils into the dry mix with your fingers

Add drops of the mint water (you may
only need 2 tablespoons it depends on
how humid it is.

The paste should be sticky
It is thick like pastry dough

Press tightly into the ice cube trays
(you can also use tiny cupcake tins
or roll in a ball)

the rubber ice cube trays work well
because you can press out the shapes

If any are messy just push them back
into the ice cube trays and do them over

Place shapes on old cookie tray

Put in oven set to 200 degrees for
five minutes
Turn off heat, let them cool and
dry in the oven

Place in recycled jars (clean jelly
jar, clean olive jar)

Keep lid off to dry thoroughly
for a day. Then close the lid

Paint the lids with nail polish to
label or add a paper note

The shower steamers can be
placed anywhere in the shower.
They melt and the aromatherapy
opens your sinus and makes you
oh so happy.

I decorate mine with a few
dried flowers on the ribbon
for gifts

Prep time: 5 minutes
Nutrition: not edible I have a friend I gave menthol ones to when he had a cold
and he didn't read the instructions and thought they were cookies. EEEWW ucky

Author: Caroline Gerardo
Category: Bath Soaking Herbs

the steamer can be put in the corner of the shower where hot water will hit it

bath relaxation

ice cube molds for my heart love bath steamers
Analgesic, antibacterial, anti-inflammatory, antimicrobial, antiseptic, antispasmodic, aromatic, carminative, cholagogue, deodorant, , insecticide, sedative,
natural oils, relaxing bath, amazing home made, cheap
Baking soda is a natural cleanser for the shower floor.
You may find the oil a bit slippery, you can wipe the floor dry with an
microfiber towel. The multi surface towels plus the steamers will keep the
shower floor clean.
Olde Timey cure for congestion and common cold

these "molds" are from tuna cans- wash them extra thoroughly